Annual Reports + Financial Statements

Super resources

Conservative

The Conservative option seeks stable returns in the short to medium term through reduced exposure to risk. It is intended to be suitable for members who are willing to take on an average level of risk.

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Details

Objective

To out-perform (after tax and fees) the Consumer Price Index (CPI) by 1.25% a year over rolling five-year periods.

Summary risk level

Minimum suggested time frame:

4 years

Estimated number of negative annual returns over any 20 year period: 1.6/20 years

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Glossary of terms

Return represents the ‘net return of a representative member’. The ‘net return of a representative member’ is the net investment return of a representative member minus administration fees, costs and taxes of a representative member and minus advice fees, costs and taxes of a representative member.

A ‘representative member’ is a member who is fully invested in the My AutoSuper (Balanced) investment option, who does not incur any activity fees during a year and who has an account balance of $50,000 throughout that year. It excludes investment gains/losses on the $50,000 balance.

Return Target represents the mean annualised estimate of the percentage rate of net return that exceeds the growth in the CPI over 10 years.

Comparison between return target and return is represented in the graph on the My AutoSuper (Balanced) Option Dashboard where:

- the columns in the graph represent the return for each of the last 10 whole financial years;
- the broken line in the graph represents the moving average return target for the last 10 whole financial years;
- the solid line in the graph represents the moving average return for the last 10 whole financial years.

Each of the above components are calculated in accordance with the APRA Product Dashboard Reporting Standard.

Level of investment risk represents the estimated number of years of negative net investment returns over a 20 year period. It is based on the Standard Risk Measure Guidance Paper For Trustees July 2011 and Standard Risk Measure, Implementation Guidance For Trustees December 2012 issued by the Association of Superannuation Funds of Australia and the Financial Services Council.

Statement of fees and other costs is the sum of fees and costs calculated in accordance with the APRA Product Dashboard Reporting Standard for the year ending 30 June for a representative member. A ‘representative member’ is a member who is fully invested in the My AutoSuper (Balanced) investment option, who does not incur any activity fees during a year and who has an account balance of $50,000 throughout that year. It excludes investment gains/losses on the $50,000 balance.

The Standard Risk Measure disclosed for each of MTAA Super’s investment options is calculated on the basis of the Strategic Asset Allocation for that investment option. It represents the Trustee’s calculation of the Standard Risk Measure for that option over a 20 year period.